Insurance Nicotine TestCommonly asked questions about Insurance nicotine tests given by insurance companies when you apply for life insurance. Click on a question below for the answer. Or, you can learn about term life insurance for smokers and how you may qualify for term life insurance with no exams required.
Insurance Nicotine Test and Smoker Life Insurance First, do all smoker life insurance companies require insurance nicotine tests for smoking? This depends on the smoker insurance company guidelines, the limits of life insurance you select and your reply to questions on the life insurance application.
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Each life insurer has their own positions on insurance nicotine tests, but be prepared to provide urine or blood if requested. This is a standard requirement considering the discount on rates for non-smokers. On average smokers pay up to 3 times as much for their life insurance as non-smokers.
How does a life insurance company give you an insurance nicotine test for smoker insurance?
Usually the insurance nicotine test for smoker life insurance will consist of a licensed professional paramedical examiner sent to your home to ask you some questions, have you sign your statement, and either take a urine specimen or blood specimen that is sent to a testing laboratory.
The requirements will vary by insurance company depending on the amount of smoker life insurance you request.
Save up to 75% on Term Life Insurance! Click here! Can you get away with not telling the truth on your insurance nicotine test if you smoke?
This is not the right thing to do, it is best to tell the truth on your insurance nicotine test. Although most evidence of nicotine or continine is excreted or removed from your system within 1-2 days (usually all signs are gone within 7 days except from your hair - they don't test your hair).
The life insurance company can access information from the MIB - Medical Information Bureau from all member companies. In addition they ask you on the application. The application becomes part of the life insurance policy which is a legally binding contract. If you lie on the application you have misled the insurer, and perhaps committed fraud.
What if the insurance company finds out you smoke?
If the insurance nicotine test comes back positive for smoking the smoker life insurance company can either reject your application, offer you a revised rate for smoking, and/or notify the Medical Information Bureau to keep on file.
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What happens if they find out I smoke after my life insurance policy is in effect?
First, there is a clause in your life insurance policy named the "Incontestable Clause". Incontestability means with respect to statements made in the application for coverage the life insurance policy cannot be contested after it has been in force for a specified period of time, usually two years.
However, if the life insurance company finds out you smoke within the first two years of the policy they may either cancel the policy, adjust your rates to smokers rates and require payment of the difference in rates going back to the inception date or start of the policy.
Can the life insurance company decline to pay my beneficiary if they find out I smoked after I have passed away?
Again, this goes back to the issue of Incontestability. If you pass away within the first 2 years of taking out your life insurance policy and the cause was smoking-related such as lung cancer, emphysema or heart disease they may contest the policy. The insurer can decline to pay the life benefits to your beneficiary if they can prove you smoked.
If you pass away more than 2 years after the start of your policy they may still fight the case and decline to pay if your death was smoking-related. It depends on the insurer's position on this issue and how soon after the 2 year period you passed away.
Imagine taking out smoker life insurance and then your spouse and family receive no benefits (except for the premiums you paid the insurer, which may or may not be returned by the life insurance company after your death) when they need them most. If you prepare yourself and take the life insurance nicotine test and you pass its up to you.
Just be aware of the effect of your decision and remember, when you answer a question on the application for a life insurance policy it does become a part of a legally binding contract.
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